As of October 1, 2015, if a merchant has not been certified as EMV-compliant, then the merchant will be responsible for all card-present counterfeit fraud losses. Currently, under the card networks' zero-liability regulations, issuers are responsible for card-present counterfeit fraud losses. The Isle Of Wight Chamber will present a Lunch and Learn workshop on Thursday, October 29, noon to 1:30pm at Smithfield Gourmet Bakery and Cafe, 218 Main Street in Smithfield. Debbie Stoddard of Old Point National Bank will discuss the implications of the liability shift, and how to protect your business from fraud losses.  Admission is $16 and includes lunch and soft drinks. Pre-registration is required by October 27. For more information, contact the chamber at (757) 357-3502